CFPB Consumer Complaint Profile
Account Recovery Service, Inc. (WI)
Behind the 12 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 12
- Total complaints
- 0
- Last 12 months
- 0%
- Timely response
- 8
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Account Recovery Service, Inc. (WI) has accumulated 12 complaints, placing it #3497 by volume. It answers 0% of complaints on time - below the 93% median for companies with 100+ complaints.
- #3497
- of 3,848 companies by volume
- 0%
- answered on time
- Debt collection
- most-complained product
- 8
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 5 |
| 2015 | 1 |
| 2017 | 2 |
| 2018 | 3 |
| 2020 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Account Recovery Service, Inc. (WI)
12 complaints against Account Recovery Service, Inc. (WI) appear in the CFPB record, including 0 from the trailing year. The 8 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Account Recovery Service, Inc. (WI)'s timely response rate stands at 0%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Consumers formally disputed the company's response in 0% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Account Recovery Service, Inc. (WI) have?
Account Recovery Service, Inc. (WI) has 12 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Account Recovery Service, Inc. (WI) respond to complaints on time?
Account Recovery Service, Inc. (WI) has a 0% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Account Recovery Service, Inc. (WI)?
The most complained-about product for Account Recovery Service, Inc. (WI) is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Account Recovery Service, Inc. (WI)?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Account Recovery Service, Inc. (WI); the full issue list with counts is above.
How do I file a complaint against Account Recovery Service, Inc. (WI)?
You can file a complaint against Account Recovery Service, Inc. (WI) directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Account Recovery Service, Inc. (WI)?
The CFPB has recorded complaints against Account Recovery Service, Inc. (WI) from 8 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~12)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.